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Will insurance cover damage on a vehicle that was insured but driven by an unlicensed driver?
Wiki User
∙ 18y ago
IF this person was driving with the permission of the "NAMED INSURED", listed on the declarations page, then they will likely be covered. It will depend on the policy language. HOWEVER, you need to check with your insurance company's claims department. There are rarely standard yes/no answers to coverage questions. Some things to consider: Age of driver Permission and how/when granted: For instance, let's say that this person resides in your household and are related to you. They are of age, but not licensed to drive. They did NOT ask permission to drive this vehicle for THIS specific event/time; however, in the past, you have given permission for this person to drive. The past events of giving permission CAN be construed to be 'implied permission.' I'm sorry, there are not usually easy answers to coverage questions. Even the scenario stated above is open to interpretation by the adjuster and, each question answered will likely generate more questions. Some portions of your policy you will want to review: Under DEFINITIONS: "insured" "relative" "household resident"... In Coverage Sections: "Who is Covered" or "Who is Insured" (each company can use slight variations in headings) then review how your collision coverage relates to these definitions. AGAIN, THERE ARE NO STANDARD, PAT ANSWERS TO COVERAGE QUESTIONS ON A POLICY. YOU WILL NEED TO SPEAK TO THE ADJUSTER ASSIGNED; THE ULTIMATE ANSWER COULD BE DEPENDENT ON A LOT OF ADDITIONAL INFORMATION.
Wiki User
∙ 18y ago
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What does the term 'insurance collision' mean?
Insurance collision is a form of automobile insurance that covers physical damage. In most situations the insurer pays for the insured injuries, damage to the vehicle of the insured, and if the insured is at fault it pays for the damage to the other vehicle, and the other driver.
Insured motorist hit uninsured unlicensed driver - who's responsible?
The insured motorist is typically responsible for the damage caused in a car accident, regardless of the other driver's insurance or licensing status. The insured motorist's insurance policy may cover the cost of damages depending on the specific coverage. It is important to report the accident to the insurance company and let them handle the details.
What is a type of vehicle insurance that covers damage sustained by the insured's vehicle in an accident?
Collision
What is the type of vehicle insurance that covers damage sustained by the insured vehicle in an accident?
C. Comprehensive
If an unlicensed driver is in an accident with an insured car will the insurance company still cover the damage?
Most likely yes.. but your rates are going up, and the driver will be cited.
What does pd insurance stand for?
PD insurance stands for Property Damage. It is a portion of the liability insurance required by most states. This is the part of the policy that will pay for damage that the insured vehicle caused to another person's property, such as a vehicle or some other property.
Why should one get a commercial insurance for your vehicle?
One should get commercial vehicle insurance if they have a business with a fleet of cars, SUVs, trucks or vans. They can all be insured under one commercial vehicle insurance and be covered in case of accidents or damage.
Why doesn't your home insurance cover damage from a vehicle which is not insured under auto insurance?
That is not necessarily true. That is, if an uninsured vehicle runs into your house and causes damage to the house, your own homeowner's policy will generally pay for the repairs to the house. Naturally, payment will be subject to the terms, conditions and limitations of the policy. Further, the amount recoverable will be limited to the total amount payable under the homeowner's policy. If, instead, what you are asking is whether homeowner's insurance will cover damage to a vehicle, the answer is no. They are 2 different types of insurance covering 2 different kinds of risks. Premiums (the amount paid by the person insured) are determined by the nature of the risk(s) insured, the persons or entities insured, and the activities insured. Those factors differ between auto insurance and homeowner's insurance, so a total premium cannot be melded.
What is it called when one insurance company is repaid by another insurance company?
Subrogation, It's basically when an insured's insurance carrier pays for the damage done to their vehicle, even though it was the other parties fault. The insured's carrier will then go after the other parties carrier for reimbursement.
Is an insured driver on your policy responsible for damages that they have not repaired on your vehicle?
== == In the event that you got into a car accident and it was not your fault but the other driver's, if he is insured, his insurance company is liable to pay for the damages of your vehicle. On the other hand, if the other driver is not insured, your own insurance company, provided you have a policy regarding uninsured or underinsured drivers, will be responsible for the damages your vehicle has incurred. They however, may have a right of action against the person responsible for the accident. The person who caused the damage to your vehicle is ultimately responsible for the damage to your vehicle regardless of whether there is an applicable insurance coverage or not. Whether you actually have the repairs done is none of their business.
Does auto insurance cover damage to city property?
If the damage was caused by the negligent operation of an insured motor vehicle, and if the motor vehicle was covered by liability insurance, barring other factors, there should be coverage. That said, all claims are decided on their own facts and are subject to the terms and conditions of the insurance policy.
If an insured motorist hits an uninsured vehicle and the insured motorist claims it is their fault who will pay for the uninsured vehicle?
regardless of whom is insured or not, the 'negligent' or liable party is responsible for the damage or 'to make whole' the injured (this means damage to vehicle as well) party........ i think the insured should pay since it was there fault
